Cheap Florida Car Insurance

Find affordable insurance that works for you in Florida. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Florida

Across the Sunshine State, there are 267,793 miles of road just waiting to be driven. We’ll get you ready with the best — and most affordable — insurance policy, then you take the wheel.


Affordable Insurance Premiums in Florida

What's the cheapest car insurance in Florida?
RankCompany NameAvg. Annual Premium
3State Farm$1,834
621st Century$2,360

Compare rates from dozens of other insurance companies for coverage in Florida by entering your ZIP code below.

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Cheap auto insurance in Florida — for good drivers

Good drivers can save money on car insurance! Insurance companies use your driving record as a way to predict what kind of risk you pose. Without at-fault accidents, speeding tickets or DUIs on your record, you are a less risky and more affordable customer for an insurance company compared to a motorist with a driving history of car accidents and citations.

In addition to cheaper premiums, some companies offer good driver discounts. While the amount of insurance discount varies based on your company, it can range between 5 and 10%. If we’re looking beyond just average rates and at individual companies, Nationwide seems to have the cheapest rates for good drivers.

Rating Factor$ Savings% Savings
No Traffic Tickets$63027.29%
No Accidents$39216.96%
Good Credit$1,39547.56%

Cheap car insurance in Florida — for new drivers

Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. For teen drivers, historically the most expensive drivers to insure, we’ve found that GEICO, Progressive, and Liberty Mutual are the cheapest companies.

AgeAnnual Rate with ParentsAnnual Rate Alone

Affordable Florida car insurance — for bad drivers

Having a bad driving record can be a huge burden for getting cheap car insurance — no matter your location. In Florida in 2019, a DUI raised rates an average of $1,085 a year. Other violations, such as an at-fault accident or a speeding ticket will also hurt your driving record. Based on our research, if you’ve had a DUI or at-fault accident, your best bet for cheap car insurance is to shop with Liberty Mutual, State Farm, or Nationwide.

Rating FactorAnnual Rate% Increase
At-Fault Accident$3,17837.64%
Speeding Violation$2,88825.08%
Bad Credit$4,32947.56%

Best Car Insurance Companies in Florida

Each car insurance company advertises its low costs. But as with any product or service, the most affordable car insurance policy isn't always the best option. Considering the financial stakes, it's worthwhile to do the due diligence to find a policy that will cover your car adequately in the event of an accident. Work to find the best value, rather than settling for the most affordable auto insurance you find.

Compare top auto insurance companies' fiscal strength and claims satisfaction ratings to better understand the level of service they might provide. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by AM Best and varying from "Poor" to "Superior" — assesses an insurance company's financial strength and ability to meet its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (AM Best)
21st Century3Excellent
Direct GeneralNot RatedExcellent
ElectricNot RatedExcellent
EsuranceNot RatedSuperior
InfinityNot RatedExcellent
Liberty Mutual3Excellent
State Farm3Superior


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Florida Auto Insurance Laws

What insurance coverage do I need in Florida?

State minimum insurance requirements in Florida are as follows:

  • Property damage liability (PDL) - $10,000
  • Personal injury protection (PIP) - $10,000

Optional car insurance coverages in Florida — varying by carrier — include:

  • Bodily injury liability
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

If you opt for the minimum required coverage in Florida, be prepared to pay an average of $1,102 each year. This exceeds the national average by 77%. If you want a higher standard of coverage, select an auto insurance policy with additional coverage like comprehensive and collision coverages to insure against the costs of car-versus-car collisions, auto theft, or weather incidents.

However, better coverage comes at a price. In Florida, a comprehensive insurance policy with a $1,000 deductible costs $2,164, 96% more than basic insurance coverage. For comprehensive insurance coverage with a $500 deductible, Florida drivers can expect to pay 133% more than you would for a liability insurance-only policy.

Analyze average expenditures for basic, better, and best insurance coverage levels in the table below or read more about coverage requirements in the state of Florida.

Comprehensive — $1,000 Deductible
Comprehensive — $500 Deductible
National Average

Ticket Impact on Auto Insurance Rates in Florida

When you receive a ticket your car insurance rates will probably go up. How much your rates rise depends on the violation, your car insurance company's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at average auto insurance rates in Florida after a few common citations.

ViolationAvg. Annual RateRate Increase (%)Rate Increase ($)
Hit and Run$3,50752%$1,198
Refused Breathalyzer/Chemical Test$3,16537%$856
Reckless Driving$3,50752%$1,198
Driving with a Suspended License$3,50752%$1,198
At-Fault Accident$3,17838%$869
Driving with an Open Container$2,90626%$597
Operating a Vehicle Without Permission$2,92727%$618
Passing a School Bus$2,90626%$597
Improper Passing$2,90626%$597
Following Too Closely$2,88225%$574
Failure to Stop at a Red Light$2,90626%$597
Illegal Turn$2,90626%$597
Driving Wrong Way/Wrong Lane$2,90626%$597
Failure to Yield$2,90626%$597
Speeding in a School Zone$2,88825%$579
Driving Too Slowly$2,88825%$579
Distracted Driving$2,88225%$574
Driving with Expired Registration$2,56011%$252
Failure to Show Documents$2,56011%$252
Not-at-Fault Accident$2,4938%$184
Failure to Use Child Safety Restraint$2,3321%$24
Failure to Wear a Seat Belt$2,3321%$24
Driving Without Lights$2,3090%$0

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Florida Car Insurance FAQs

Who has the cheapest car insurance in Florida?

Our data shows thatUSAAis the cheapest insurance company in Florida at $507 for a 6-month policy or $84/month. The best way to find the cheapest car in Florida is to compare auto insurance quotes from as many companies as possible. Use ourcomparison toolto see rates in Florida for your driving profile.

Is Florida a no-fault state for car insurance?

Yes, Florida is a no-fault state. This means if you're injured in a crash, you're required to cover your own bodily injury payments — regardless of fault.

Why is car insurance so expensive in Florida?

Auto insurance companies charge higher-than-average rates in many parts of Florida due to the increased likelihood of claims and the state's relatively high share of uninsured drivers. When comparing car insurance rates in Florida, consider uninsured motorist coverage as an add-on.

How much does car insurance cost in Florida cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Gainesville, Florida, and the most expensive in West Palm Beach, Florida.

RankCityAvg. Annual Premium
1West Palm Beach$3,187
4Miami Gardens$3,048
6Coral Springs$2,981
8Pompano Beach$2,900
9Miami Beach$2,897
11Fort Lauderdale$2,786
13Pembroke Pines$2,705
14St. Petersburg$2,703
17Port St. Lucie$2,386
18Spring Hill$2,341
22Palm Bay$2,084
24Cape Coral$2,026

Recent Florida Car Insurance Questions and Answers

Filing a claim 24 days into a car insurance policy

Most companies will cancel your policy if you file a claim within the first 30 days of the policy. The reason is exactly what they told you.

My car was hit at a stop sign

Sorry to hear you were in an accident. How you file your claim can depend on if there are any injuries or if it is just damage to your car.

How do I recover my refund if I canceled a policy the day after the renewal?

Most states have a law about recovering unearned premium from insurance providers. Meaning that if you cancel your policy after you've paid your premium, especially at a renewal, you should be able to collect a refund for any days you've paid for after the policy is canceled.

Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?

It's possible that your agent is simply trying to keep your business. However, he may actually be correct.

Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, and Kin Insurance.